I’m sure if I’m smart enough, I could work lessWatch this thread
The answer may surprise you, but you don't need a degree at all to get a good paying stable job. I think that if you're going down the university route then a bachelors degree is enough for almost anything, especially if you get a 2.1 degree classification. If you're trying to get a normal job then a PhD and masters is just a waste of money and time in my opinion. The only exception is if your dream is to become a university lecturer/professor, but if that's not what you want to do, then I don't see any point in a masters or PhD. Get some work experience in the field where you'd like to work, because your work experience and your transferrable skills will be much more valuable than some overrated masters degree or PhD.
Don't worry about making mistakes. It's better to forge ahead than to have analysis paralysis.
And at the same time, learn from others. Aim to take wise action and not to take dumb action.